Frontenac Bank

Earth City, MO · Cert 34986

FDIC · 4 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Earth City, MO · Cert 34986

FDIC · 4 branches

Q2 2016

$268.4MAssets

$192.0MLoans

$223.7MDeposits

$32.7MEquity

Loan mix

Deposit mix

Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.2% share · #56 of 132 inst. · $0.2B of $95.1B

0.2% St. Louis

0.3% St. Louis (City)

1.1% St. Charles

Earnings: ROA of -0.15%, down 60 bps year over year; NIM at 2.72%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.01%.
Capital: tier 1 leverage ratio of 10.44%, up 13 bps from a year ago.
Funding: loans stand at 85.83% of deposits as of Q2 2016.

Return on Assets (YTD, annualized)

-0.15%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-26 bps YoY

Efficiency Ratio (YTD, annualized)

122.51%+4,002 bps YoY

Tier 1 Leverage Ratio

10.44%+13 bps YoY

Year to date, annualized, through each quarter.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	Q4 2015	Q1 2016	Q2 2016	YoY Δ	Trend
Earnings
Return on Assets	0.17%	2.32%	0.57%¹	0.45%	0.42%	0.40%	0.31%¹	-0.15%	-60 bps
Return on Equity	1.83%	23.99%	4.87%	3.85%	3.62%	3.40%	2.67%	-1.31%	-516 bps
Net Interest Margin	3.04%	3.00%	3.04%	2.98%	2.95%	2.87%	2.70%	2.72%	-26 bps
Efficiency Ratio	95.05%	94.11%	82.16%	82.50%	80.31%	79.87%	89.22%	122.51%	+4,002 bps
Non-Interest Burden	2.90%	2.83%	2.45%	2.43%	2.34%	2.26%	2.40%	3.20%	+77 bps
Growth
Asset Growth (YoY)	0.28%	0.03%	-3.32%	3.72%	3.87%	5.16%	5.03%	-4.39%	-812 bps
Loan Growth (YoY)	2.74%	3.85%	1.88%	0.72%	3.20%	-2.58%	-3.01%	-6.23%	-695 bps
Deposit Growth (YoY)	2.02%	-1.27%	-5.80%	-1.31%	2.94%	1.31%	2.81%	-6.07%	-477 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.52%	0.31%	0.10%	0.05%	0.06%	0.59%	1.98%	1.01%	+97 bps
Allowance / Loans	2.29%	2.30%	2.33%	2.33%	2.39%	1.99%	1.51%	1.53%	-80 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	10.55%	10.31%	10.44%	10.23%	10.36%	10.44%	+13 bps
Total Risk-Based Capital	13.89%	13.93%	14.54%	14.45%	14.75%	15.02%	15.06%	15.24%	+79 bps
Equity / Assets	9.56%	11.74%	11.86%	11.51%	11.77%	11.47%	11.62%	12.17%	+67 bps
Liquidity & Funding
Loans / Deposits	83.30%	86.20%	87.25%	85.97%	83.50%	82.89%	82.31%	85.83%	-14 bps
Liquid Assets / Assets	5.18%	6.13%	6.38%	7.30%	6.17%	4.97%	6.02%	5.25%	-205 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a